finding what’s right for you.

Everyone’s life is unique. That’s why insurance shouldn’t be ‘one-size-fits-all’. In helping you, we take the time to understand your personal situation and assist you to have the right cover in place when you need it.

We also know that circumstances change so we work with you to plan for the future, and also review your needs annually to make sure things are still on track.

We can help in 3 ways.

Life is looking after yourself.

Let us help look after you and your family’s personal needs. Personal Insurance provides protection in the event of sickness, injury or death. It includes the following:

Life Insurance

Life Insurance provides a lump sum payment to a nominated beneficiary in the event of death. It’s the most common form of personal insurance and helps ensure that the financial future of your family is safe and secure.

Total and Permanent Disability (TPD) Insurance

This type of insurance takes care of things if the insured person is unable to work again due to sickness or injury, by replacing most of your income. Benefits paid can be used to cover medical costs, make necessary modifications to the home, or supplement personal income.

Trauma Insurance

Trauma Illness Insurance, sometimes called Critical Illness Insurance, provides a lump sum payment when a specified illness or injury occurs. This type of cover is designed to help with the financial impact by things like a heart attack, stroke, cancer, or other life threatening conditions.

Income Protection

Income Protection Insurance, sometimes called Salary Continuance, is designed to help make ends meet if you’re unable to work due to sickness or injury. The premiums paid for Income Protection Insurance are usually tax deductable.

*The above advice is general.  Before you decide to purchase life insurance or retain your existing cover, you should consider whether the advice is appropriate for your financial situation, needs or objectives and consider the applicable Product Disclosure Statement. 

Life is taking care of business.

All businesses depend on key people – owners, executives and specialist employees who provide the capital, generate revenue or manage daily affairs.

Unplanned events such as the sudden death, illness or disablement of these key people can severely impact a business.

We help protect businesses in the following ways:

Key Person Insurance

Key Person (also known as Keyman) Insurance is an important part of any business insurance plan. It provides funds to keep a business financially stable if a key person suffers an unexpected critical illness, permanent disability or sudden death.

Buy/Sell Insurance

Buy/Sell Insurance (or Partnership Buyout Insurance) provides the funds needed for business partners to purchase a business share from a departing co-owner in the event of death, permanent disability of even trauma.

This will help the remaining partners to ensure they can quickly acquire the departing owner’s share so the business can continue running with minimal disruption.

For the departing owner or their estate, buy/sell insurance will assist them to receive the agreed value of their shareholding in return for transferring their business share.

Guarantor Protection Insurance

Guarantor Protection Insurance is also known as Business Loan Protection Insurance.  It helps to ensure that if an insured event like death, trauma or total and permanent disability occurs to a director/guarantor, the business debt guaranteed by that director/guarantor is fully repaid.

Business Expenses Insurance

Business Expenses Insurance is similar to Income Protection Insurance, but it’s designed specifically for business owners. The policy pays a monthly benefit to help cover ongoing business costs and overheads, if a business owner suffers an illness or injury and is unable to work.

*The above advice is general.  Before you decide to purchase life insurance or retain your existing cover, you should consider whether the advice is appropriate for your financial situation, needs or objectives and consider the applicable Product Disclosure Statement. 

Life is loving your work.

Group Insurance is a policy that can cover members of an organisation under a single insurance plan.

Some of the benefits of Group Life Insurance include competitive wholesale premium rates, minimal or no medical underwriting and simple administration provided by Steadfast Life.

Cover provided through Group Insurance varies, but it might include Life Insurance, Total and Permanent Disability (TPD) or even Group Salary Continuance (Income Protection).

A successful Group Insurance program is a great way to build employee loyalty and engagement by providing employees and their families’ financial security if they were to ever need it.

For employers, Group Insurance is also an effective way to attract and retain talent, whilst at the same time protect against the financial dilemma of continuing to support a sick or injured employee beyond the sick leave entitlements.

*The above advice is general.  Before you decide to purchase life insurance or retain your existing cover, you should consider whether the advice is appropriate for your financial situation, needs or objectives and consider the applicable Product Disclosure Statement. 

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